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Quote of the day

Arnold Kling at EconLog:

If we go back to 20 percent down payments, the market will be more
stable. I’m sure that in a free market we would see 20 percent down
payments. Barney Frank is the only person I can think of who still
wants to lend with little or no money down. He’s welcome to do it, but
I dare him to use his own money instead of ours.